Difference Between CamPay - User, Agent and Merchant

The CamPay system is designed to facilitate secure and efficient financial transactions for three main roles: user, merchant, and agent. Each role has specific functionalities tailored to their needs and interactions within the system.

User Role

Users can seamlessly manage their digital finances with the following features:

Transaction Features

• Send Money Through QR Code: Scan a recipient's QR code to transfer funds.
• Receive Money Through QR Code: Display a personal QR code to accept payments.
• E-wallet: Securely store and manage funds within the CamPay system.
• Money Deposit: Deposit funds manually or automatically through designated channels.
• Withdraw Money: Withdraw funds manually or set up automatic withdrawals.
• Remittance Solution: Send money domestically or internationally.

Payment & Billing

• Bill Pay: Pay electricity, gas, telephone, internet, and government bills.
• Make Payments to Merchants: Purchase products or services from merchants via CamPay.
• Mobile Top-Up: Recharge mobile phone credits directly.
• Pay Link: Generate payment links for Stripe transactions.

Financial Statements & Requests

• Real-time Statement: Monitor transactions in real-time.
• PDF Statement Download: Download transaction statements for record-keeping.
• Request Money from Users: Request funds from other users within the system.

Security & Payment Processing

• Single Currency: Transactions are conducted in a single currency for consistency.
• Manual Payment Gateway: Supports manual payment processing.
• Automatic Payment Gateway: Automate transactions for seamless processing.
• Multiple Automatic Payment Gateways: Integrate with multiple gateways for flexibility.
• KYC Verification: Know Your Customer (KYC) verification ensures compliance.
• 2FA Security: Two-factor authentication (2FA) using Google Authenticator for enhanced security.

Merchant Role

Merchants in the CamPay system benefit from streamlined payment processing and secure fund management:

Transaction Features

• Receive Money from Users: Accept payments for goods or services.
• Pay Link: Generate payment links for customers to pay via Stripe.
• Withdraw to Super-Admin: Withdraw funds manually or set up automatic transfers.

Security & Payment Processing

• Single Currency: Operates in a uniform currency.
• Manual Payment Gateway: Allows manual payment processing.
• Automatic Payment Gateway: Enables automated transactions.
• Multiple Automatic Payment Gateways: Supports integration with multiple gateways.
• KYC Verification: Ensures compliance with regulations.
• 2FA Security: Utilizes Google Authenticator for extra protection.

Agent Role

Agents facilitate transactions between users and financial services, with functionalities including:

Transaction & Remittance Services

• Send Money: Transfer funds to other agents within the system.
• Receive Money: Accept payments from users.
• Remittance Send: Send money domestically or internationally.
• Withdraw: Withdraw funds manually or set up automatic withdrawals.
• Money In (Agent to User CamPay E-wallet): Deposit funds into users' CamPay wallets.

Additional Services

• Bill Pay: Process bill payments for users.
• Mobile Top-Up: Recharge mobile phones for users.
• Saved Senders & Recipients: Access stored sender and recipient details for quick transactions.

Security & Payment Processing

• Single Currency: Conduct transactions in a uniform currency.
• Manual Payment Gateway: Supports manual payment methods.
• Automatic Payment Gateway: Enables automated transactions.
• Multiple Automatic Payment Gateways: Integrates with multiple gateways for flexibility.
• KYC Verification: Ensures security and compliance.
• 2FA Security: Uses Google Authenticator for added protection.

Conclusion

Each role within the CamPay system is designed with specific functionalities to ensure secure, efficient, and seamless financial transactions. By integrating enhanced security, multiple payment options, and real-time tracking, CamPay delivers a robust financial solution for users, merchants, and agents.